Terms and Conditions
Agreement to Terms
These terms and conditions govern your use of Elanthyrovas's financial planning services and website. By accessing our services, you agree to be bound by these terms.
Please read these terms carefully before using our services. If you do not agree with any part of these terms, please do not use our services.
Definitions
The following terms have specific meanings throughout this agreement
- Service: Financial planning consultations, guidance, and related services provided by Elanthyrovas
- User/Client: Any individual or entity that accesses or uses our services
- Content: All information, text, graphics, and materials provided through our services
- Agreement: These terms and conditions, along with our privacy policy and other referenced policies
Use of Our Services
Your use of our services is subject to certain conditions and restrictions designed to ensure appropriate usage.
Eligibility Requirements
You must be at least 18 years old and have legal capacity to enter into agreements. Our services are available to residents of Malaysia and selected international clients.
Account Responsibilities
- Provide accurate and complete information during registration and consultations
- Maintain confidentiality of your account credentials and contact information
- Notify us immediately of any unauthorized account access or security concerns
Prohibited Uses
You agree not to use our services for any of the following purposes
- Providing false or misleading information about your financial situation
- Attempting to gain unauthorized access to our systems or other users' information
- Using our services for illegal activities or money laundering
- Reproducing or distributing our proprietary content without permission
- Interfering with the proper functioning of our website or services
Intellectual Property Rights
All content, trademarks, and intellectual property on our website and in our services remain the exclusive property of Elanthyrovas and our licensors.
You may not reproduce, distribute, or create derivative works from our content without written permission.
User-Generated Content
By providing information or content during consultations, you grant us certain rights
- Right to use your information to provide requested services
- Right to anonymize and aggregate data for service improvement
- Right to retain information as required by regulatory obligations
Privacy and Data Protection
Your privacy is important to us. Our collection and use of personal information is governed by our privacy policy, which forms an integral part of this agreement. Privacy Policy
Service Disclaimers
Our services are provided for informational and consultation purposes. We do not provide specific investment recommendations or guarantee financial outcomes.
Services are provided "as is" without warranties of any kind, express or implied, including but not limited to merchantability or fitness for a particular purpose.
Limitation of Liability
To the maximum extent permitted by law, our liability is limited to the amount paid for services in the 12 months preceding any claim.
We exclude liability for indirect, consequential, or punitive damages, including lost profits or business opportunities.
Indemnification
You agree to indemnify Elanthyrovas against claims arising from your breach of these terms, misuse of services, or violation of applicable laws.
Dispute Resolution
We encourage resolving disputes through direct communication, but formal procedures are available when necessary.
Arbitration Process
Disputes may be resolved through binding arbitration under Malaysian arbitration law, with proceedings conducted in Kuala Lumpur.
Online Dispute Resolution
For eligible international clients, online dispute resolution platforms may be available through relevant regulatory bodies.
For eligible disputes, online resolution platforms may be available: Learn About Dispute Resolution
Termination of Services
Either party may terminate the service relationship with appropriate notice. We reserve the right to suspend services for breach of terms.
Upon termination, your access to services will cease, but certain provisions of this agreement will survive termination.
Governing Law
This agreement is governed by Malaysian law, and disputes are subject to the jurisdiction of Malaysian courts.
Modifications to Terms
We may modify these terms to reflect changes in our services, legal requirements, or business practices.
We will provide reasonable notice of material changes through email or website notification.
Severability
If any provision of this agreement is found unenforceable, the remaining provisions will continue in full force and effect.
Entire Agreement
This agreement, together with our privacy policy and other referenced policies, constitutes the complete agreement between you and Elanthyrovas.
Questions About Terms
If you have questions about these terms or need clarification about our services, contact us at info@elanthyrovas.com or +60 3 6206 3425.
Last Updated: August 1, 2025
Effective Date: August 15, 2025